For private clients

Home insurance and personal liability in Poland

For tenants and owners. We check what is worth insuring: the apartment, renovation, contents, liability towards neighbours and the landlord. We compare terms from many insurers and explain the differences in plain language.

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Home insurance and personal liability — Page context
Home insurance and personal liability — Supporting visual
Clear termsWe explain policy wording in plain language so you can feel confident about your insurance protection.
Clear comparisonWe help you choose the right option instead of dumping random tariffs.
Support after purchaseWe stay available if you need help with coverage or claims.

Where to start?

Common cases

You rent a home

We show what protects your belongings and why a tenant may need separate liability cover, known in Poland as OC najemcy.

Your rental agreement says the home must be insured

We explain what that clause usually means, when tenant cover is actually needed and how to buy OC najemcy without paying for irrelevant extras.

You own an apartment or house

We check what should be covered: walls, fixed elements, appliances and the things inside your home.

You have a mortgage

The bank protects its loan. We check what protects you as the owner and resident.

After renovation or buying equipment

Old cover may no longer match the real value of what is now in the apartment.

Neighbours, leaks and liability

Water damage to the apartment below happens more often than people expect. We check how personal liability works.

What protection usually includes

Main elements

Walls, fixed elements and contents

The right scope depends on whether you rent the home or own it.

Personal liability

Covers damage caused to neighbours, the landlord or other people. Leaks, fire, damage to someone else’s property.

Mortgage and bank requirements

The bank usually asks for the minimum. We check whether it is enough for your interests as an owner.

Support after a claim

We explain which documents to collect, where to report the claim and how to communicate with the insurer.

What to pay attention to

Choosing in practice

After renovation

You invested 50,000 PLN in the apartment, but the policy still covers only 10,000 PLN? It is time to recalculate the sums.

When renting

A tenant has their own liability for belongings, damage to the landlord and damage to neighbours. The owner’s policy mainly protects the owner.

With a mortgage

The bank’s minimum protects the loan. Equipment, finishing and everyday risks are often outside that scope. We check what to add.

Frequently asked questions

If I rent an apartment, do I need my own insurance?

Often yes. A tenant still has risks related to personal belongings and liability towards the landlord or neighbours.

How is the bank requirement different from real home protection?

The bank usually protects its interest as the lender. You should check whether the policy covers finishing, equipment and other risks that matter to you.

Should I review the policy after renovation?

Yes. After renovation and buying new equipment, the old insured sum may be too low compared with the current value of your property.

What does liability towards neighbours cover?

Usually leaks, damage to someone else's property and similar household incidents. The details depend on the policy wording.

Can you help choose between owner and tenant cover?

Yes. This changes what needs to be protected: the apartment, contents, liability towards the landlord and neighbours.

Get in touch

Write to us directly

Telegram +48 664 298 945

Address

Al. Jerozolimskie 109/70, 02-011 Warszawa

Tell us about your situation

Briefly describe your situation and attach any relevant documents. We'll tell you what to do next.

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